C.D. & ASSOCIES
ActiveC.D. & ASSOCIES has been active since 1968 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €69k and a net result of €-2k. Equity is growing by ~3.4% per year across the filed fiscal years. Its solvency ranks better than 21% of 15367 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. The figures in the accounts for fiscal year 2024 give a score of 59 on their own. A confirmed filing finding caps the score. Each of these causes sets the same score on its own. Every signal that weighs is under Signals.
Axes · tick = 2021
Profitability47▼-25
Solvency51▼-2
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days only on tighter terms
Liquidity tight (current ratio 1.11 against 1.31 in 2021; short-term debt: 62.4% and cash: 5.5% of total assets), and 73.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
26.1%
Return on assets
-0.7%
Age of the figures
21 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 21% of 15367 sector peers (2024).
NBB · sector comparisonPosition among 15367 sector peers
Solvency
better than 21%
← weakest
strongest →
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 02-01-2026, 155 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
155 d late
2021
152 d late
2018
146 d late
2017
72 d late
2016
102 d late
2015
138 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€69k▲ 1.1%
2021 · €68k
2018: €55k
2021: €68k
2018 → 2024
Total assets
€264k▲ 8.3%
2021 · €244k
2018: €262k
2021: €244k
2018 → 2024
Net result
€-2k
2021 · €6k
2018: €5k
2021: €6k
2018 → 2024
Working capital
€19k▼ 48.4%
2021 · €37k
2018: €46k
2021: €37k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line201820212024Trend
Equity€55k-€68k▲ 24.2%€69k▲ 1.1%
Operating result€14k-€12k▼ 13.5%€3k▼ 78.1%
Net result€5k-€6k▲ 5.4%€-2k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result is €3k in 2024, compared with €12k in 2021. Comparable figures for the intervening years are unavailable.
Balance-sheet composition
2024 in colour, 2021 as the grey bar beneath
Assets €264k
Fixed assets
€80k▼ 8.8%
Current assets
€184k▲ 17.9%
Equity and liabilities €264k
Equity
€69k▲ 1.1%
Debt
€195k▲ 11.1%
The debt ratio rises from 72.1% to 73.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€9k▼
2021 · €16k
Cash flow
€4k▼
2021 · €10k
Solvency
26.1%▼
2021 · 27.9%
Current ratio
1.11▼
2021 · 1.31
Quick ratio
1.11▼
2021 · 1.31
Debt / equity
2.83▲
2021 · 2.58
ROE
-2.7%▼
2021 · 8.3%
ROA
-0.7%▼
2021 · 2.3%
Interest coverage
3.47▼
2021 · 6.11
Debt
€195k▲
2021 · €176k
Debt ≤ 1 year
€165k▲
2021 · €119k
Debt > 1 year
€29k▼
2021 · €55k
Income taxes
€2k▼
2021 · €4k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2024 against 2021
Balance sheet
Code20212024
Assets
Total assets20/58€244k€264k▲
Fixed assets21/28€88k€80k▼
Tangible fixed assets22/27€88k€80k▼
Land and buildings22€85k€74k▼
Plant, machinery and equipment23€2k€812▼
Furniture and vehicles24€319€5k▲
Financial fixed assets28€463€463=
Current assets29/58€156k€184k▲
Amounts receivable after more than one year29€30k€34k▲
Other amounts receivable291€30k€34k▲
Amounts receivable within one year40/41€103k€132k▲
Trade receivables40€77k€107k▲
Other amounts receivable41€26k€24k▼
Cash at bank and in hand54/58€23k€14k▼
Deferred charges and accrued income490/1-€3k
Equity and liabilities
Total equity and liabilities10/49€244k€264k▲
Equity10/15€68k€69k▲
Contributions10/11€31k€31k=
Capital10€31k€31k=
Issued capital100€31k€31k=
Reserves13€3k€3k=
Non-distributable reserves130/1€3k€3k=
Legal reserve130€3k€3k=
Profit (loss) carried forward14€34k€35k▲
Amounts payable17/49€176k€195k▲
Amounts payable after more than one year17€55k€29k▼
Financial debts170/4€26k-
Other amounts payable178/9€29k€29k=
Amounts payable within one year42/48€119k€165k▲
Financial debts43€857€4k▲
Credit institutions430/8€857€4k▲
Trade debts44€101k€149k▲
Suppliers440/4€101k€149k▲
Taxes, remuneration and social security45€15k€7k▼
Taxes450/3€15k€7k▼
Other amounts payable47/48€2k€5k▲
Accrued charges and deferred income492/3€2k€2k▼
Income statement
Code20212024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€6k▲
Other operating charges640/8€2k€1k▼
Gross operating margin9900€18k€10k▼
Operating profit (loss)9901€12k€3k▼
Financial charges65/66B€3k€3k▼
Recurring financial charges65€3k€3k▼
Profit (loss) for the period before taxes9903€9k€68▼
Income taxes67/77€4k€2k▼
Profit (loss) for the period9904€6k€-2k▼
Profit (loss) for the period to be appropriated9905€6k€-2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€34k€35k▲
Profit (loss) brought forward from the previous period14P€28k€37k▲
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
02-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 155 days late
2024
31-12
Financial
Weakest financial yearnet €-2k ▼133%
Net result drops to €-2k, the lowest in the series.
2022
30-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 152 days late
2021
31-12
Financial
Highest result since 2018net €6k ▲5.4%
Net result €6k, the highest in the series.
2019
24-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 146 days late
2018
11-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 72 days late
2017
10-11
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 102 days late
2016
16-12
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 138 days late
2015
22-12
NBB filing
Annual accounts filed
fiscal year 2014 · full schema · 144 days late
2014
03-12
NBB filing
Annual accounts filed
fiscal year 2013 · full schema · 125 days late
2013
30-12
NBB filing
Annual accounts filed
fiscal year 2012 · full schema · 152 days late
30-12
NBB filing
Annual accounts filed
fiscal year 2011 · full schema · 517 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Schaarbeek · 1 establishment unit since 1969
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Rogierlaan 2281030 SchaarbeekGround area
297 m²
Building footprint
196 m²
Volume, LiDAR
2,691 m³
2 parcels, Brussels · tallest building 18.7 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
Kerselarenlaan 74, 1030 Schaarbeek
since 19692.037.601.301
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21911C0136/00N003 | Brussels | 193 m² | 1 · 93 m² | 17.6 m · 4 fl. |
| 21904B0515/00R003 | Brussels | 104 m² | 1 · 103 m² | 18.7 m · 6 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
AGRIOS
BE 0453.802.424
Fosses-la-Ville · Eq €69k
MGK CONSULTANCY
BE 0769.977.783
Dilbeek · Eq €69k
FIDUCIAIRE BARRAS
BE 0429.154.526
Libramont-Chevigny · Eq €70k
BLANJEAN-PIJCKE SRL
BE 0419.953.778
Bastogne · Eq €70k
Goeminne
BE 0419.269.038
Schilde · Eq €68k
Of 2,265 companies in sector 69209 we hold annual accounts for 1,096. 827 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded31-12-1968
Fiscal year end31-12
Activities, NACEBEL
69202Legal and accounting activities
69209Other tax advisory services
74121
Sources
Crossroads Bank for EnterprisesNational Bank · 41 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.